I deposited a credit card check into my checking account after calling the GE Money Bank to verify funds available and the check would clear. Person I spoke to told me it would clear up to the full credit amount of my card as, I had no balance on the card.
In the GE Money Bank's person's error of this information, this paticular check returned unpaid. I check my account every morning and saw the check was coming back 'pending' as unpaid.
I immediately took steps to call GE Money Bank to inquire as to why this happened. Then, contacted my finalcial institution at TAFB Credit Union to verify that I could cover this check with a check they had sent me for their credit card, they verified they would cover it thus, I immediately took the check to the Arvest Bank and covered my account. TAFB Credit Union has been a bank I am proud to have banked with the last 20 years. I changed to Arvest simply because it was very close to my home and convenient to make banking deposits without driving long distances into town.
It was Friday, August 22 and I deposited a $4,000 check into my account to more then cover my Arvest account. My husband's paycheck he had to wait for 2 weeks for was in our joint account and my single account was fully covered as well.
At the moment I deposited my check, Kari Harrington of RISK department closed our debit cards to BOTH accounts without notice. I drove across the street to Taco Bell to get lunch for my husband to save him the trip since I had to drive to the bank in Midwest City anyway so that I could pick up meds ready at the Target Store that were ready as well.
Taco Bell told me the card was on hold or/lock down. I paid for the purchase cash and took it to my husband. I took out my Arvest Card and called the 1-800 number on the back to ask what was wrong that our card didn't work. The man told me I would have to call a Karie Harrington and gave me her phone number.
I waited until we ate lunch because Karie was at lunch and refused to be disturbed until she was back on duty.
When I contacted this woman, she was very accusing of everything I have ever used my account for. She critisized me, because of previous credit card checks that had come back some time ago after we had a home invastion, theft of sensitive information, credit cards, statements, our genealogy on my computer they stole, personal items that included pictures of my family, me, my grandchildren, FTM (Family Tree Maker) files and researches. I explained to her that I found it necessary to cancel some credit cards. The new cards came and credit cards checks came after them that I assumed were for the new cards because they were on the statements and 0% offers to change blances from higher interest rates to these cards. I took advantage of it but it came about they companies mistakingly sent out old checks after the new cards were issued so, I had to scramble to cover these with new checks and straighten out the issues without my account becoming negative. It was very stressful for me to do this but I did it and handled my financial obligations, called the Arvest Bank, explained what had happened and the manager was quite satisfied as these checks did not come back uncleared.
I made a habit of not despositing these credit card checks unless I call to verify with the companies that they will clear.
In the mean time, Karie had told me she would send my husband and I check cards in the mail to use our accounts, that she would not hold my account nor my husband's account. I asked her why no one had called me to inform me this check had returned as I had asked that someone call if this ever happened again so that I could take care of it right away and they said they would.
She rudely told me they didn't HAVE to call me but that she had called me at 9:30am. I told her that was od because I was home and scrambling to correct the mistake GE Money Bank had caused me. I told her that she could call Tinker Federal Credit Union to verify that my check would clear, it was just down the street from them to please not lock up our accounts as it would cause fees to access from things we had sent payments to as bounce backs unpaid. She assurred me she would leave the accounts open.
I called the branch manager, Paula in Midwest City and asked her if she could issue a card for my husband to use until the other cards came into the mail as she had opened our acccounts. She attempted to help me then after she called Karie Harrington she came back onto the line somewhat upset and told me that I would need to call Karie, that she, Paula, would not be able to, to call Karie.
I called Karie and asked her why Paula was not allowed to help me help my husband to get a card to use for his account right away, he needed it to buy gas, food, lunch and so on. Karie became very rude, hateful, vendictive, told me that because I called the man on lunch and he called her, that because (I had Paula) to call her that she was going to just CLOSE my account completely, not my husband's, mine.
WHAT? I asked her. I didn't 'have' them call you, they call you to find out what was going on so they could help me. The man I called was the one who told me to call HER. I told her Paula had opened our account and I was simply attempting trying to help my husband, I was not attempting to 'bother' her.
She became very irrate, unreasonable, agressive, had a temper tantrum. She told me hatefully that we did NOT open our account in Midwest City with Paula, that we opened it in Choctaw, calling me a liar. I told her I was not daft, I knew WHERE I opened my bank account. This enranged her.
I calmly told her no, that Paula sent our account over to Choctaw because it was closer to where we lived and they have very nice people there.
Karie went overly irrate even though I was speaking very kind and calmly to her, she began attacking my character, where I had made withdrawls, accused me of being a 'bad character' because of where I made withdrawls, sometimes at 7/11, sometimes at a casino where I go for physical therapy after a semi ran my pickup over and crushed the cushioning under my knee caps, buldging disks in my lower back causing extreme pain and conventional physical therapy was too painful so I sat at little games and went from chair to chair to move about as I could to make my legs move. Physical Therapy hooked electricity to my legs and shocked the daylights out of me to keep my muscles from going limp, I couldn't take it.
Sometimes I would win jackpots, as all players do and deposited them into my bank account to repay my cards or whatever I wanted to pay with it.
Karie slammed my demenor, my self esteem, my lifestyle as undsireable for their banking institution and screamed threats, hateful remarks, calling me undesirable, until I called her a total misplaced young person, unprofessional jerk, an inexperienced human relations disaster for the bank arrogant young person that had NO respect for the clients who bank there, she had NO right prying into my personal affairs, that my financial affairs were none of her business, that I had remained in good standing with the bank all the time I have banked there. She kept badgering me, I kept asking her to tell me of what time did I not cover ANY item that came back to the bank that would have been unpaid? She refused to comment on that issue. She continued on her negative attacks against my person, my life and kept making threats totally unreasonable and uncalled for.
I asked her why she did not look at the recent $1,100 I deposited CASH as well as the recent $4,000 CASH into my account when she continued to STEROTYPE me simply because of where I chose to spend my time.
I told her, I do NOT smoke, do NOT drink and am NOT irresponsible!
She continued to insult me so I told her to switch me to her supervisor, she told me she would switch me to her supervisor's message box but that SHE was going to contact the manager first. I told her she had no right treating me or any other customer of this bank in such a manner. She screamed she can do ANYTHING SHE WANTED TO, to ANYONE she wanted to.
"Oh, you're going to cover your rear first huh?" I asked her. You going to attempt to keep her from listening to me?" She told me she was and that she could do anything she wanted to and get away with it.
When I attempted to reach this so called supervisor, the girl on the other end sounded as if she were only 18 or so. Very immiture, did the same thing as Karrie and attacked my person, my intentions, my lifestyle that she knew nothing about. Accused me of having multiple banks which, in reality were financial institutions of which gave me a loan on my auto and I have recently paid off in full. This too the so called supervisor, Samantha Counts, rediculed me for, moving my money around instead of leaving it in the bank. I explained to her that I deposited it to pay off my car, not to leave it in there for HER to look at. I told her she had NO idea about my life, had NO reason to falsely accuse me and what I did with MY money was NONE Of HER BUSINESS! IT WAS MINE, NOT HERS. Needless to say, I ended this conversation with her and refused all calls after that from this very rude young person. She is not qualified to be in Human Relations, is too immature, judgemental and thinks she can tell clients what they can and can't do with their own funds.
Prior to this event, I had won a substantial amount at a little machine at the casino in Shawnee with my husband's help. We each put $5.00 into a machine and it paid me $920.00 and him $170.00. I took $1,100 to the Arvest bank there in Shawnee and deposited this cash into my personal account to pay some things, buy some things and be able to play some later on if we so desired. I retained my deposit slip very carefully as this was cash.
The next day, I checked my bank account online and it did not show this deposit. I called the bank to ask why. After proving I still had my receipt, the so called RISK department put my funds into my account attempting to cover for this mishap as the fault of a 'machine' that copies these transactions.
Samantha and Karie both told me that this happens 'at times' and most people don't SAVE their receipts and many don't notice until some time later and it's too late to research it so the customers 'loose' their funds to the bank.
I suspect that because I did not allow the bank, these girls, to embezzle my cash funds they retaliated by causing the above attacks on my person and my accounts of my own and my husband. They have literally caused us extreme mental anguish, I was emotionally distressed all weekend after they locked down our accounts without good cause, totally upset me and caused me panic attacks all weekend over absolutely nothing that they themselves caused with their personality deficient business immiturity and lack of communication skills. They suffer from compulsive behavior patterns, delusions of grandure and express themselves as defient evil vendors that will crush you under their feet if they so choose to do so.
As a previous Office Manager for a doctor for over 4 years, I do not cower, I do not allow people to victimize me easily. This is unfair trade practices, acts to embezzle my personal funds and I am very hurt, feel very betrayed and victimized by this area of the Arvest Bank communications area.
Prettypennyiam
Choctaw, Oklahoma
U.S.A.
0 comments